Business acquisitions, goodwill, commercial property, fit-outs, refinances and your own home loan — sourced from a panel of more than 60 banks and lenders, and submitted in a form that answers the credit team’s questions before they are asked.
Residential and commercial lending, arranged around the business that is ultimately servicing it.
Buying a pharmacy, practice or trading business is a cashflow-first lending decision. We prepare a submission that presents normalised earnings, add-backs and lease position the way a credit analyst needs to see them.
Buying the premises you trade from, or a commercial investment, with the loan structured around the tenant, the lease and the entity that will own it.
Refits, dispensary automation, clinical and practice equipment, vehicles and technology funded with the right product — chattel mortgage, lease or term loan — for the tax position.
Facilities reviewed against current pricing, covenants and your plans. Sometimes the answer is a new lender; often it is a better structure with the one you have.
Your own home loan arranged by the broker who already understands your business income — which matters when your income comes through a trust, a company or a recent acquisition.
Residential investment loans structured for tax deductibility and portfolio growth. SMSF borrowing for commercial property is coordinated with Hedley Capital and your accountant — the 2026 tax reforms prohibit SMSFs from borrowing to buy residential property.
Lenders rarely decline a well-run business because of its headline numbers. They decline, delay or shrink the loan because of what sits further down the file — a lease shorter than the loan term, add-backs without evidence, ATO arrears that were not disclosed, or a borrowing structure that does not fit the rules of the sector.
Because our broking sits alongside the firm’s accountants and advisers, those issues are found and fixed before a submission goes anywhere. The difference is usually weeks of credit assessment, and sometimes the difference between an approval and a decline.
A clear process, with every fee and commission disclosed to you in writing before anything is lodged.
We look at what you want to achieve, your current facilities and the documents a lender will ask for.
We compare suitable lenders and products, and explain the trade-offs in plain language.
A complete, documented application — with the credit analyst’s likely questions already answered.
We manage valuations, conditions, documents and settlement, then review the facility as your plans change.
Each division can be engaged on its own. This is what changes when the others are working from the same numbers.
The borrowing entity chosen with tax, asset protection and the sector’s ownership rules in mind.
Accounting division →AdvisoryNormalised earnings and add-backs tested before they reach a lender.
Advisory division →PropertyLease term and options secured before the credit analyst asks about them.
Property division →WealthKey person, buy/sell and income protection cover considered alongside new borrowing.
Hedley Capital →Business owners, pharmacists, practitioners, investors and families with income through trusts and companies — the files that benefit most from a broker who understands accounts.
17+ years in finance and property, with a Bachelor of Commerce and Law and a Master of Property. Blake leads lending and premises strategy, is a senior auctioneer, and is the authorised representative behind Hedley Capital.
We may receive commission from the lender you choose, generally between 0.60% and 0.75% of the loan amount, and your credit representative may charge a fee. Any fee and the commission are disclosed to you in writing before any application is lodged. Full details are in our Credit Guide.
Often, yes. A decline usually reflects how a file was presented or one specific issue, not your whole position. We will tell you honestly what caused it and whether a different lender or structure is likely to help.
As early as possible — ideally before you are looking at a specific business. Equity, deposit sources, the borrowing structure and any existing debt all take time to get right, and good businesses do not wait for buyers to get organised.
No. We arrange home loans, investment lending, refinances and SMSF borrowing as well. Many clients find it simpler to have every facility with one broker who understands how they connect.
No. It is general information only. Any recommendation is made after we understand your circumstances and assess whether a product is not unsuitable for you, as required under the National Consumer Credit Protection Act 2009.
The five numbers credit teams run, and the six reasons files stall.
Read the note →ToolEstimate repayments, Victorian duty and the equity needed to buy a business.
Open the calculators →Insight · PremisesDebt profile, tax position and sale price, side by side.
Read the note →Credit assistance is provided by Blake Hedley as credit representative no. 555666 of LMG Broker Services Pty Ltd ACN 632 405 504, Australian Credit Licence 517192. Information about credit products is general and is not an offer of credit; any application is subject to the lender’s assessment and criteria. Full details: Licensing & disclosures.
A free lending review: your current facilities, your plans, and an honest view of what a lender is likely to say.
